{"id":25556,"date":"2024-07-25T09:40:45","date_gmt":"2024-07-25T02:40:45","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=24134"},"modified":"2024-09-30T07:29:23","modified_gmt":"2024-09-30T07:29:23","slug":"the-rise-of-embedded-financial-services","status":"publish","type":"post","link":"https:\/\/smartdev.com\/kr\/the-rise-of-embedded-financial-services\/","title":{"rendered":"\uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ubd80\uc0c1"},"content":{"rendered":"
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\uc5d0\uc11c <\/span>\ub514\uc9c0\ud138<\/span> \ub098\uc774<\/span>, <\/span>\ud3b8\uc758<\/span> ~\uc774\ub2e4<\/span> \uc655<\/span>. <\/span>\uc18c\ube44\uc790\ub4e4<\/span> \ub354\uc6b1 \ub354<\/span> \uc218\uc694<\/span> \uc800\uac83<\/span> \uadf8\ub4e4\uc758<\/span> \uc7ac\uc815\uc801\uc778<\/span> \ud544\uc694<\/span> BE <\/span>\ub9cc\ub0ac\ub2e4<\/span> \uc774\ub0b4\uc5d0<\/span> \uadf8\ub9cc\ud07c <\/span>\ud50c\ub7ab\ud3fc<\/span> \uadf8\ub4e4<\/span> \uc774\ubbf8<\/span> \uc0ac\uc6a9<\/span> \uc77c\uc77c<\/span>. <\/span>\uc785\ub825\ud558\ub2e4<\/span> \ub0b4\uc7a5\ub41c<\/span> \uc7ac\uc815\uc801\uc778<\/span> \uc11c\ube44\uc2a4<\/span>\u2014<\/span>\uc5b4\ub514<\/span> \uc7ac\uc815\uc801\uc778<\/span> \ub3c4\uad6c<\/span> \uadf8\ub9ac\uace0<\/span> \uc81c\ud488<\/span> ~\uc774\ub2e4<\/span> \uc6d0\ud65c\ud558\uac8c<\/span> \ud1b5\ud569\ub41c<\/span> ~ \uc548\uc73c\ub85c<\/span> \ube44<\/span>\uc7ac\uc815\uc801\uc778<\/span> \ud50c\ub7ab\ud3fc<\/span>. <\/span>\uc774\uac83<\/span> \ud601\uc2e0\uc801\uc778<\/span> \uc811\uadfc\ud558\ub2e4<\/span> ~\uc774\ub2e4<\/span> ~ \uc544\ub2c8\ub2e4<\/span> \ub2e8\uc9c0<\/span> \uc5d0\uc774 <\/span>\uacbd\ud5a5<\/span> \ud558\uc9c0\ub9cc<\/span> \uc5d0\uc774 <\/span>\ubcc0\ud615\uc801\uc778<\/span> \uc62e\uae30\ub2e4<\/span> ~\uc5d0 <\/span>\uc5b4\ub5bb\uac8c<\/span> \uc7ac\uc815\uc801\uc778<\/span> \uc11c\ube44\uc2a4<\/span> ~\uc774\ub2e4<\/span> \ubc30\ub2ec\ub428<\/span> \uadf8\ub9ac\uace0<\/span> \uc18c\ube44\ud558\ub2e4<\/span>. <\/span>\uc5d0\uc11c<\/span> \uc0ac\ud68c\uc758<\/span> \uba54\ub514\uc544<\/span> \uc571<\/span> \ud5cc\uae08<\/span> \ub610\ub798<\/span>-\uc5d0\uac8c-<\/span>\ub610\ub798<\/span> \uc9c0\ubd88<\/span> \uc804\uc790\ub85c<\/span>\uc0c1\uc5c5<\/span> \uc0ac\uc774\ud2b8<\/span> \uc81c\uacf5<\/span> \uc989\uac01\uc801\uc778<\/span> \uc2e0\uc6a9 \uac70\ub798<\/span> \uc635\uc158<\/span>, <\/span>\ub0b4\uc7a5\ub41c<\/span> \uc7ac\uc815\uc801\uc778<\/span> \uc11c\ube44\uc2a4<\/span> ~\uc774\ub2e4<\/span> \ucc3d\uc870\ud558\ub2e4<\/span> \uc5d0\uc774 <\/span>\ub9c8\ucc30\uc774 \uc5c6\ub294<\/span> \uc7ac\uc815\uc801\uc778<\/span> \uc0dd\ud0dc\uacc4<\/span>.<\/span><\/span>\u00a0<\/span><\/p>\n

\"\"

\uadf8\ub9bc 1: \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc774\ud574<\/p><\/div>\n

\uc601\uc0c1<\/span> \uc2e0\uc6a9 \uac70\ub798<\/span>: <\/span><\/span>\uc2a4\ucf11\uc2a4<\/span><\/span><\/a>\u00a0<\/span><\/p>\n

<\/span>\uc5ed\uc0ac\uc801 \ub9e5\ub77d<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc9c4\ud654\ub294 \uc885\uc774 \uae30\ubc18\uc758 \ubb3c\ub9ac\uc801 \uac70\ub798\uc5d0\uc11c \uc624\ub298\ub0a0 \uc6b0\ub9ac\uac00 \ubcf4\ub294 \ub514\uc9c0\ud138 \ud1b5\ud569 \uc2dc\uc2a4\ud15c\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294 \uc5ec\uc815\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ucd08\uae30\uc5d0\ub294 \uc740\ud589\uacfc \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub9cc \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4. \uc778\ud130\ub137\uacfc \ubaa8\ubc14\uc77c \uae30\uc220\uc758 \ub4f1\uc7a5\uc740 \uc774\ub7ec\ud55c \ubcc0\ud654\ub97c \ucd09\uc9c4\ud558\uc5ec \ub354\uc6b1 \ud3b8\ub9ac\ud558\uace0 \ud6a8\uc728\uc801\uc778 \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc774\ub7ec\ud55c \ubc1c\uc804\uc758 \uc8fc\uc694 \uc774\uc815\ud45c\ub85c\ub294 1990\ub144\ub300 \uc628\ub77c\uc778 \ubc45\ud0b9 \ub3c4\uc785, 2000\ub144\ub300 \ucd08 \ud540\ud14c\ud06c \uae30\uc5c5\uc758 \ubd80\uc0c1, \uadf8\ub9ac\uace0 2010\ub144\ub300 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ud655\uc0b0\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc1c\uc804\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\uac00 \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ub418\ub294 \ud1a0\ub300\ub97c \ub9c8\ub828\ud588\uace0, \uc774\ub97c \ud1b5\ud574 '\uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4'\ub77c\ub294 \uac1c\ub150\uc774 \ud0c4\uc0dd\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud1b5\ud569 \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\ub294 \ucc28\ub7c9 \ud638\ucd9c \uc571\uc774\ub098 \uc989\uac01\uc801\uc778 \uae08\uc735 \uc635\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc \ub4f1 \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc870\uae30\uc5d0 \ub3c4\uc785\ud55c \uae30\uc5c5\ub4e4\uc740 \uc2dc\uc7a5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \ud5a5\uc0c1\ub41c \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uacfc \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0 \ucc3d\ucd9c \uac00\ub2a5\uc131\uc744 \ubcf4\uc5ec\uc8fc\uba70, \uad11\ubc94\uc704\ud55c \ub3c4\uc785\uc744 \uc704\ud55c \ubc1c\ud310\uc744 \ub9c8\ub828\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\uc0c1\uc2b9\uc758 \ud575\uc2ec \uc694\uc778<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\ud83d\udd38<\/span><\/b>\uc18c\ube44\uc790 \uc218\uc694 \uae09\uc99d<\/span><\/b>\u00a0<\/span><\/p>\n

\ud604\ub300 \uc18c\ube44\uc790\ub4e4\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud3ec\ud568\ud55c \uc0b6\uc758 \ubaa8\ub4e0 \uce21\uba74\uc5d0\uc11c \ud3b8\ub9ac\ud568\uacfc \ud6a8\uc728\uc131\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4. \uae30\uc874 \uc740\ud589 \uc5c5\ubb34\ub294 \uc5ec\uc804\ud788 \uac00\uce58\uac00 \uc788\uc9c0\ub9cc, \uc815\uae30\uc801\uc73c\ub85c \uc0ac\uc6a9\ud558\ub294 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uc6d0\ud65c\ud558\uace0 \ud3b8\ub9ac\ud55c \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc120\ud638\ub3c4\uac00 \ub192\uc544\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uad50\ud1b5\ube44 \uacb0\uc81c, \uc628\ub77c\uc778 \uc1fc\ud551, \ud22c\uc790 \uad00\ub9ac \ub4f1 \ubaa8\ub4e0 \uc5c5\ubb34\ub97c \ub2e8\uc77c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc5d0\uc11c \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \uae30\ub2a5\uc740 \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc131\uc7a5\uc744 \uc774\ub044\ub294 \uac15\ub825\ud55c \uc6d0\ub3d9\ub825\uc785\ub2c8\ub2e4. \ud1b5\ud569 \uae08\uc735 \uacbd\ud5d8\uc73c\ub85c\uc758 \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uae30\uc874 \uc740\ud589\uc758 \uc2e0\ub8b0\uc131\uc744 \uc800\ud574\ud558\uc9c0 \uc54a\uc73c\uba74\uc11c\ub3c4 \uc989\uac01\uc801\uc774\uace0 \uc6d0\ud65c\ud55c \uac70\ub798\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \ucda9\uc871\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38 <\/span><\/b>\uae30\uc220 \ubc1c\uc804\uacfc \uaddc\uc81c \ubcc0\ud654<\/span><\/b>\u00a0<\/span><\/p>\n

\uae30\uc220 \ud658\uacbd\uc740 \uae09\uc18d\ud55c \ubcc0\ud654\ub97c \uacaa\uc73c\uba70 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ud560 \uc218 \uc788\ub294 \uae38\uc744 \uc5f4\uc5c8\uc2b5\ub2c8\ub2e4. API\uc640 \ucca8\ub2e8 \ud540\ud14c\ud06c \uc194\ub8e8\uc158\uacfc \uac19\uc740 \ud601\uc2e0 \ub355\ubd84\uc5d0 \uc740\ud589, \uacb0\uc81c, \ub300\ucd9c \uc11c\ube44\uc2a4\ub97c \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc5d0 \uc9c1\uc811 \ub0b4\uc7a5\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\uc801 \ub3c4\uc57d\uc740 \uc774\ub7ec\ud55c \ud1b5\ud569\uc744 \uc9c0\uc6d0\ud558\uace0 \uc7a5\ub824\ud558\uae30 \uc704\ud574 \ubc1c\uc804\ub41c \uaddc\uc81c \ubcc0\ud654\ub85c \ubcf4\uc644\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc624\ud508 \ubc45\ud0b9 \uaddc\uc815\uc740 \uc740\ud589\uc774 \uace0\uac1d \ub370\uc774\ud130\ub97c \uc81c3\uc790 \uc81c\uacf5\uc5c5\uccb4\uc640 \uacf5\uc720\ud558\ub3c4\ub85d \uaddc\uc815\ud558\uc5ec \ud601\uc2e0\uc744 \uc704\ud55c \ud658\uacbd\uc744 \uc870\uc131\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \ubcc0\ud654\ub294 \uc9c4\uc785 \uc7a5\ubcbd\uc744 \ub0ae\ucd94\uace0 \ub354\uc6b1 \uc0c1\ud638 \uc5f0\uacb0\ub41c \uae08\uc735 \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud558\uc5ec \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \uc2dc\ub108\uc9c0 \ud6a8\uacfc \ud30c\ud2b8\ub108\uc2ed<\/span><\/b>\u00a0<\/span><\/p>\n

\uae08\uc735\uae30\uad00, \ud540\ud14c\ud06c \ud601\uc2e0 \uae30\uc5c5, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc \uac04\uc758 \ud611\ub825\uc740 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc6d0\ub3d9\ub825\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc804\ud1b5\uc801\uc778 \uae08\uc735 \uc804\ubb38\uc131\uacfc \ucd5c\ucca8\ub2e8 \uae30\uc220 \ubc1c\uc804\uc774 \uc735\ud569\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uae30\uc874 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc\uc5d0 \ud601\uc2e0\uc801\uc778 \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uc5ec \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \ud50c\ub7ab\ud3fc\uc758 \uae30\ub2a5\uc744 \ud655\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2dc\ub108\uc9c0 \ud6a8\uacfc\ub294 \uae08\uc735\uae30\uad00\uc740 \uc0c8\ub85c\uc6b4 \uc11c\ube44\uc2a4 \ucc44\ub110\uc744 \ud655\ubcf4\ud558\uace0, \ud540\ud14c\ud06c \uae30\uc5c5\uc740 \uc2dc\uc7a5 \ubc94\uc704\ub97c \ud655\ub300\ud558\uba70, \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc740 \uace0\uac1d\uc5d0\uac8c \ud5a5\uc0c1\ub41c \uac00\uce58\ub97c \uc81c\uacf5\ud558\ub294 \uc708\uc708(win-win) \uc2dc\ub098\ub9ac\uc624\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud30c\ud2b8\ub108\uc2ed \ub124\ud2b8\uc6cc\ud06c\ub294 \ubaa8\ub4e0 \uc774\ud574\uad00\uacc4\uc790\uc5d0\uac8c \uc774\uc775\uc774 \ub418\ub294 \ud1b5\ud569\ub41c \uae08\uc735 \ud658\uacbd\uc744 \uc870\uc131\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc774\uc810<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

1. \uc18c\ube44\uc790\ub97c \uc704\ud574<\/b>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \ud3b8\uc758\uc131 \ubc0f \uc811\uadfc\uc131<\/span><\/b>: \uc18c\ube44\uc790\ub294 \ucc28\ub7c9 \uc608\uc57d, \uc628\ub77c\uc778 \uc1fc\ud551, \uc2ec\uc9c0\uc5b4 \uc18c\uc15c \ubbf8\ub514\uc5b4 \uc774\uc6a9 \uc911\uc5d0\ub3c4 \uae08\uc735 \uac70\ub798\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5ec\ub7ec \uc571\uacfc \uacc4\uc815\uc744 \uad00\ub9ac\ud560 \ud544\uc694\uc131\uc774 \uc904\uc5b4\ub4e4\uc5b4 \uae08\uc735 \uad00\ub828 \ub2c8\uc988\ub97c \uc704\ud55c \uc6d0\uc2a4\ud1b1 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488<\/span><\/b>: \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc18c\ube44\uc790\ub294 \ub354\uc6b1 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc989\uc2dc \ub300\ucd9c, \ubcf4\ud5d8, \ud22c\uc790 \uae30\ud68c \ub4f1 \uc5b4\ub5a4 \uc11c\ube44\uc2a4\ub4e0 \uae30\uc874\uc5d0 \uc0ac\uc6a9\ud558\ub358 \uc571\uc5d0\uc11c \ubc14\ub85c \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38 \uac1c\uc778 \ub9de\ucda4\ud615 \uc194\ub8e8\uc158<\/span><\/b>: \uc0ac\uc6a9\uc790 \ub370\uc774\ud130\uc640 \ud589\ub3d9\uc744 \ud65c\uc6a9\ud558\uc5ec \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\ub294 \uace0\ub3c4\ub85c \uac1c\uc778\ud654\ub41c \ub9de\ucda4\ud615 \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac1c\uc778\ud654\ub294 \uae08\uc735 \uc0c1\ud488\uc744 \ub354\uc6b1 \uad00\ub828\uc131 \uc788\uace0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \uc18c\ube44\uc790\uac00 \ub9de\ucda4\ud615 \uc870\uc5b8\uacfc \ud61c\ud0dd\uc744 \ud1b5\ud574 \uc7ac\uc815 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

2, \uae30\uc5c5\uc6a9<\/b>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0:<\/span><\/b> \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud568\uc73c\ub85c\uc368 \uae30\uc5c5\uc740 \uc218\uc218\ub8cc, \uc218\uc218\ub8cc, \uadf8\ub9ac\uace0 \uae08\uc735 \uac70\ub798 \uc774\uc790\ub97c \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uac01\ud654\ub294 \uc7ac\ubb34 \uc548\uc815\uc131\uacfc \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \ud5a5\uc0c1\ub41c \uace0\uac1d \ub370\uc774\ud130: <\/span><\/b>\uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\ub294 \uae30\uc5c5\uc5d0 \uace0\uac1d \ud589\ub3d9, \uc120\ud638\ub3c4 \ubc0f \uc7ac\ubb34 \uac74\uc804\uc131\uc5d0 \ub300\ud55c \ud48d\ubd80\ud558\uace0 \uc2e4\ud589 \uac00\ub2a5\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \ub370\uc774\ud130\ub294 \ub9c8\ucf00\ud305 \uc804\ub7b5 \uac1c\uc120, \ud601\uc2e0\uc801\uc778 \uc81c\ud488 \uac1c\ubc1c, \uadf8\ub9ac\uace0 \uc804\ubc18\uc801\uc778 \uace0\uac1d \ucc38\uc5ec \ud5a5\uc0c1\uc5d0 \ud65c\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/span><\/b> \ub354 \ub192\uc740 \uc804\ud658\uc728: <\/span><\/b>\uace0\uac1d \uc5ec\uc815\uc758 \ub9c8\ucc30\uc744 \uc904\uc784\uc73c\ub85c\uc368, \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\ub294 \uc18c\ube44\uc790\uc758 \uac70\ub798 \ubc0f \uad6c\ub9e4\ub97c \ub354\uc6b1 \uc27d\uac8c \ub9cc\ub4e4\uc5b4\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uacb0\uc81c \uc2dc \uc989\uc2dc \ud06c\ub808\ub527\uc744 \uc81c\uacf5\ud558\ub294 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc\uc740 \uad6c\ub9e4 \uac00\ub2a5\uc131\uc744 \ud06c\uac8c \ub192\uc5ec \uc804\ud658\uc728\uacfc \ub9e4\ucd9c\uc744 \uc99d\ub300\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\uc0ac\ub840 \uc5f0\uad6c: Uber\uc640 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n
\"\"

\uadf8\ub9bc 2: Uber \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4<\/p><\/div>\n

Uber\uc758 \ub0b4\uc7a5\ud615 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95 \uc5ec\uc815<\/span><\/b>\u00a0<\/span><\/h5>\n

\ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uac00\uc7a5 \uba3c\uc800 \ub3c4\uc785\ud55c \uae30\uc5c5 \uc911 \ud558\ub098\uc778 \uc6b0\ubc84\ub294 \uc2b9\ucc28 \uacf5\uc720 \uc5c5\uacc4\uc758 \uacb0\uc81c \uacbd\ud5d8\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ucf30\uc2b5\ub2c8\ub2e4. 2009\ub144 \uc6b0\ubc84\uac00 \ucd9c\ubc94\ud588\uc744 \ub2f9\uc2dc, \uc6b0\ubc84\ub294 \ub354\uc6b1 \ud3b8\ub9ac\ud558\uace0 \uc548\uc815\uc801\uc778 \uc2b9\ucc28 \uacf5\uc720 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uae30\uc874 \ud0dd\uc2dc \uc5c5\uacc4\ub97c \ud601\uc2e0\ud558\ub294 \ub370 \uc8fc\ub825\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc218\ub3d9 \uacb0\uc81c \ubc29\uc2dd\uc740 \uc9c0\uc5f0\uacfc \ubcf4\uc548 \ubb38\uc81c\ub97c \uc57c\uae30\ud558\ub294 \uc2ec\uac01\ud55c \ubb38\uc81c\ub97c \uc57c\uae30\ud588\uc2b5\ub2c8\ub2e4. \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uace0 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud558\uae30 \uc704\ud574 \uc6b0\ubc84\ub294 \uc571\uc5d0 \uacb0\uc81c \uae30\ub2a5\uc744 \uc9c1\uc811 \ud1b5\ud569\ud558\ub294 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\u00a02010\ub144 \uc6b0\ubc84\ub294 \uacb0\uc81c \ucc98\ub9ac \ud68c\uc0ac\uc778 \ube0c\ub808\uc778\ud2b8\ub9ac\uc640 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0 \uc571 \ub0b4 \uc2e0\uc6a9\uce74\ub4dc \uac70\ub798\ub97c \uc9c0\uc6d0\ud588\uc2b5\ub2c8\ub2e4. 2011\ub144 \ub9d0\uc5d0\ub294 \uc571 \ub0b4 \uacb0\uc81c \uae30\ub2a5\uc744 \uc644\uc804\ud788 \ud1b5\ud569\ud558\uc5ec \uc0ac\uc6a9\uc790\uac00 \uacb0\uc81c \uc815\ubcf4\ub97c \uc548\uc804\ud558\uac8c \uc800\uc7a5\ud558\uace0 \uc2b9\ucc28 \uc644\ub8cc \uc2dc \uc790\ub3d9 \uacb0\uc81c\ub97c \ud65c\uc131\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc6b0\ubc84\ub294 \uc218\ub144\uc5d0 \uac78\uccd0 \ub0b4\uc7a5\ud615 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uac1c\uc120\ud558\uc5ec 2016\ub144\uc5d0\ub294 \uc0ac\uc6a9\uc790\uac00 \uc790\uae08\uc744 \ubbf8\ub9ac \ucda9\uc804\ud558\uace0 \ud560\uc778\uacfc \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ub514\uc9c0\ud138 \uc9c0\uac11\uc778 \uc6b0\ubc84 \uce90\uc2dc\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc6b0\ubc84\ub294 \ub2e4\uc591\ud55c \ub514\uc9c0\ud138 \uc9c0\uac11 \ubc0f \ud604\uc9c0 \uacb0\uc81c \uc218\ub2e8\uc744 \ud1b5\ud569\ud558\uc5ec \uc804 \uc138\uacc4 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \ud504\ub85c\uc138\uc2a4\ub97c \ub354\uc6b1 \uac04\uc18c\ud654\ud588\uc2b5\ub2c8\ub2e4.\u00a0<\/span>\u00a0<\/span><\/p>\n

\"\"

\uadf8\ub9bc 3: Uber, \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc6b4\uc804\uc790 \ucda9\uc131\ub3c4 \uac15\ud654<\/p><\/div>\n

Uber\uc758 \ub0b4\uc7a5\ud615 \uacb0\uc81c \ud1b5\ud569 \uacb0\uacfc<\/span><\/b>\u00a0<\/span><\/h5>\n

\uc5d0 \ub530\ub974\uba74 <\/span>\uc6b0\ubc84 \ud22c\uc790\uc790 \uad00\uacc4<\/span><\/a>\ub0b4\uc7a5\ud615 \uacb0\uc81c \uae30\ub2a5\uc758 \ud1b5\ud569\uc740 \uc6b0\ubc84\uc758 \uc6b4\uc601 \ubc0f \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud06c\uac8c \ubcc0\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. 2022\ub144 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc571 \ub0b4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc120\ud638\ub3c4\uac00 \ub9e4\uc6b0 \ub192\uc558\uc73c\uba70, 87%\uc758 \uc0ac\uc6a9\uc790\uac00 \uae30\uc874 \ubc29\uc2dd\ubcf4\ub2e4 \uc774 \uc2dc\uc2a4\ud15c\uc744 \uc120\ud638\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654 \ub355\ubd84\uc5d0 \uccab\ud574 \uace0\uac1d \uc720\uc9c0\uc728\uc774 15% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uac04\uc18c\ud654\ub41c \ud504\ub85c\uc138\uc2a4\ub294 \uc6b4\uc601 \ube44\uc6a9\ub3c4 \uc808\uac10\ud588\ub294\ub370, \uc790\ub3d9\ud654\ub41c \uac70\ub798 \ucc98\ub9ac\uc640 \uacb0\uc81c \ubd84\uc7c1 \uac10\uc18c\ub85c \uc778\ud574 \uad00\ub9ac \ube44\uc6a9\uc774 25% \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc6b0\ubc84\ub294 \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4 \ud1b5\ud569\uc744 \ud1b5\ud574 10%\uc758 \ub9e4\ucd9c \uc99d\uac00\ub97c \ub2ec\uc131\ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00 \ubc0f \ud540\ud14c\ud06c \uae30\uc5c5\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uac70\ub798 \uc218\uc218\ub8cc \ubc0f \uc218\uc218\ub8cc\ub97c \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ub0b4\uc7a5\ud615 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \uadc0\uc911\ud55c \ub370\uc774\ud130 \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud558\uc5ec \uc6b0\ubc84\uac00 \uac1c\uc778 \ub9de\ucda4\ud615 \ud504\ub85c\ubaa8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \ud0c0\uac9f \ucea0\ud398\uc778\uc758 \uc804\ud658\uc728\uc744 20% \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc1c\uc804\uc740 \uc6b0\ubc84\uc758 \uae00\ub85c\ubc8c \ud655\uc7a5\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud588\uc73c\uba70, \ub2e4\uc591\ud55c \uacb0\uc81c \uc120\ud638\ub3c4\ub97c \uc218\uc6a9\ud558\uace0 \ub2e4\uc591\ud55c \uc2dc\uc7a5\uc5d0\uc11c \uacbd\uc7c1 \uc6b0\uc704\ub97c \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\ubbf8\ub798 \uc804\ub9dd<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\ubbf8\ub798\uc758 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud658\uacbd\uc744 \ud615\uc131\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uba87 \uac00\uc9c0 \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc640 \uae30\uc220\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud5a5\uc0c1\ub41c \uac1c\uc778\ud654\ub97c \uc704\ud55c AI \ubc0f \uba38\uc2e0 \ub7ec\ub2dd<\/span><\/b>: \ub354\uc6b1 \ub9de\ucda4\ud654\ub41c \uae08\uc735 \uc870\uc5b8, \ub9de\ucda4\ud615 \uc0c1\ud488 \ucd94\ucc9c, \uc790\ub3d9\ud654\ub41c \uc758\uc0ac \uacb0\uc815 \ud504\ub85c\uc138\uc2a4.<\/span>\u00a0<\/span><\/p>\n

\ube14\ub85d\uccb4\uc778 \uae30\uc220 \ud1b5\ud569<\/span><\/b>: \uc548\uc804\ud558\uace0 \ud22c\uba85\ud558\uba70 \ubd84\uc0b0\ub41c \uac70\ub798 \uae30\ub2a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

IoT \uc5f0\uacb0 \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735<\/span><\/b>: \ud601\uc2e0\uacfc \ud3b8\uc758\uc131\uc744 \uc704\ud55c \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\uc6e8\ube44\ub098\uc5d0 \ucc38\uc5ec\ud558\uc138\uc694: \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\"\"<\/p>\n

\uae08\uc735 \ud601\uc2e0\uc758 \uc0c8\ub85c\uc6b4 \ud750\ub984\uc744 \ud0d0\ud5d8\ud560 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694? \ud765\ubbf8\uc9c4\uc9c4\ud55c \uc6e8\ube44\ub098 "<\/span> \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4<\/span><\/b> ". \uc800\ud76c\uc640 \ud568\uaed8 \uc774\ub7ec\ud55c \ud601\uc2e0\uc801\uc778 \ud2b8\ub80c\ub4dc\ub97c \uc2ec\uce35\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uace0, \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\uac00 \uc18c\ube44\uc790\uc640 \uae30\uc5c5 \ubaa8\ub450\uc5d0\uac8c \uc5b4\ub5a4 \ubcc0\ud654\ub97c \uac00\uc838\uc624\ub294\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694.<\/span>\u00a0<\/span><\/p>\n

\uc6e8\ube44\ub098 \uc138\ubd80 \uc815\ubcf4<\/span><\/b>\u00a0<\/span><\/p>\n

\ud83d\udcc5 \ub0a0\uc9dc: 2024\ub144 7\uc6d4 31\uc77c \uc218\uc694\uc77c<\/span>\u00a0<\/span><\/p>\n

\u23f0 \uc2dc\uac04: 3<\/span>:00-4:00 PM (GMT+7) \u2013 \uc544\uc2dc\uc544 \uad6d\uac00\uc758 \uc624\ud6c4 \uc2dc\uac04<\/span>\u00a0<\/span><\/p>\n

\uc2a4\ud53c\ucee4 \uc815\ubcf4<\/span><\/b>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/b>Alex Lang: SmartDev \ucd5c\uace0\uc0c1\uc5c5\ucc45\uc784\uc790<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/b>Geert Theys: SmartDev \uacb0\uc81c \uc194\ub8e8\uc158 \ucc45\uc784\uc790<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd38<\/b>Si Hoang Le: \uc0ac\uc804 \ud310\ub9e4 \uad00\ub9ac\uc790, SmartDev<\/span>\u00a0<\/span><\/p>\n

\uae08\uc735 \ud601\uc2e0\uc758 \ucd5c\uc804\uc120\uc5d0 \uc124 \uc218 \uc788\ub294 \uc774 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \ub9c8\uc138\uc694. <\/span>\uc9c0\uae08 \ub4f1\ub85d\ud558\uc138\uc694<\/span><\/b><\/a> \uc790\ub9ac\ub97c \ud655\ubcf4\ud558\uace0 \uae08\uc735 \ud601\uba85\uc758 \uc77c\uc6d0\uc774 \ub418\uc138\uc694. \ud314\ub85c\uc6b0\ud558\uc138\uc694. <\/span>\ub9c1\ud06c\ub4dc\uc778<\/span><\/a> \ub354 \ub9ce\uc740 \uc5c5\ub370\uc774\ud2b8\ub97c \ud655\uc778\ud558\uc138\uc694. \ud568\uaed8 \ub0b4\uc7a5\ud615 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ubb34\ud55c\ud55c \uc7a0\uc7ac\ub825\uc744 \uc5f4\uc5b4 \ub354\uc6b1 \ud1b5\ud569\ub418\uace0 \ud6a8\uc728\uc801\uc778 \uae08\uc735 \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud574 \ubd05\uc2dc\ub2e4.<\/span><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"In the digital age, convenience is king. Consumers increasingly demand that their financial needs be...","protected":false},"author":38,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-25556","post","type-post","status-publish","format-standard","category-case-study"],"acf":[],"yoast_head":"\nThe Rise of Embedded Financial Services | SmartDev<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartdev.com\/kr\/the-rise-of-embedded-financial-services\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Rise of Embedded Financial Services | SmartDev\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smartdev.com\/kr\/the-rise-of-embedded-financial-services\/\" \/>\n<meta property=\"og:site_name\" content=\"SmartDev\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.youtube.com\/@smartdevllc\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-25T02:40:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-30T07:29:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.smartdev.com\/wp-content\/uploads\/2024\/08\/Anh-1-Embedded-Financial-Services.webp\" \/>\n<meta name=\"author\" content=\"Dieu Anh Nguyen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@smartdevllc\" \/>\n<meta name=\"twitter:site\" content=\"@smartdevllc\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dieu Anh Nguyen\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 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